Eligibility
You must meet the following conditions on your policy effective date to be eligible for insurance:
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be a Canadian resident at least 15 days old and under age 75; and
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be covered by the Government Health Insurance Plan (GHIP) of your Canadian province/territory of residence for the entire duration of your trip, and
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not be traveling against the advice of a physician, and
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not require any assistance with eating, bathing, using the toilet, changing positions [including getting in or out of bed], or getting dressed.
You are NOT ELIGIBLE for coverage if you have been diagnosed with or treated for any of the following:
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terminal illness; or
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AIDS or HIV; or
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an aneurysm that has not been surgically repaired; or
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metastatic cancer or cancer of the liver, pancreas or bone; or
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organ transplant (heart, lung, liver, kidney); or
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kidney failure requiring dialysis.
Benefits under the Destination: Leisure Plan are not payable for costs incurred due to, contributed by, or resulting from:
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Age 59 or younger
Any pre-existing medical condition or related condition (other than a minor condition) that was not stable at any time during the 90 days prior to the policy effective date.
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Age 60 or 74
Any pre-existing medical condition or related condition (other than a minor condition) that was not stable at any time during the 180 days prior to the policy effective date.
If you are not eligible to purchase this insurance, please consult your insurance broker or contact us at 1-855-337-3532.
Other coverage options may be available.
Definition of terms such as stable, pre-existing medical condition, and minor condition can be found in the policy wording.
For complete terms, benefits, conditions, and exclusions, please see the policy.